Get a quote in just 2 mins
  • No impact on credit score
  • No hidden charges
  • Repay early without penalty
2 mins
5 mins
0 - 24 hours
5 mins
2 - 24 hours
Complete the simple 3-step process below for a personalised quote
  • If successful and you apply in full, you could have money in your account within 1 working day
  • There is no impact on your credit score, no hidden charges, and no obligation to take out the loan
  • If you have any questions, call our application help line on 020 3142 6226

Your loan

To the nearest pound, please tell us how much you would like to borrow. RateSetter loans are from £1,000 up to £25,000.

Please enter an amount between £1,000 and £25,000.

Sadly, you will have to repay your loan with a monthly repayment for up to a maximum 5 years. (Don't worry, our application form won't take anywhere near that long.)

Please enter a valid loan term

Are you planning on buying a new car, or renovating the kitchen? Tell us how you plan to spend your loan.

You need to select an option from this list.

Your details

This will be your login ID, it needs to be a valid email address.

You haven't entered a valid email address.

No Lords or Ladies, please.

Please select a title.

This is the easy part.

Please enter your first name.

Even the most embarrassing ones.

Please enter your middle name.

Your family name.

Please enter your surname.

We use your date of birth, along with your name and address history to perform a credit check. This is so called 'soft' credit check, which will have no impact on your credit score.

Please enter your date of birth in the correct format.

We’ll use this to get in touch with you, should we have any questions. We’ll also send you a text message when your loan is approved.

Please enter a valid UK mobile number

Your address

Current Address

Please enter the Post Code first, and our whizzy computer should be able to look up the address.

Anywhere from sunny Brighton to John o’Groats is fine. (But sadly we cannot accept applications from the Isle of Man or the Channel Islands – sorry island folk!)

If you wish to remove an address, please delete the postcode you have entered.

If you are unable to find the address that you are looking for then you will need to enter it manually. To do so click the link below.

Enter Manually

Please enter a PostCode in the box above to populate this field.
Please enter a PostCode in the box above to populate this field.

How long have you lived at your current address? We’ll need 3 years of address history.

Please enter how long you have lived at your current address

Let us know whether you own this home. You might of course own a home, but do not currently live in it, in which case select that option.

You need to select an item here
You need to accept the Terms to continue.
Get your free quote
Don't worry, this won't affect your credit score
No impact on your credit score
No hidden charges
No obligation quote
Repay early anytime without penalty
If approved - 14 days to change your mind
98% of customers recommend us
Questions? Call us on 020 3142 6226.
" Peer-to-peer is the way forward, away from the bank's charges and hefty fees "
Ben James, Borrower

RateSetter is a trademark of Retail Money Market Ltd (company no. 7075792). RateSetter is authorised and regulated by the Financial Conduct Authority with the reference number 633741. RateSetter is not covered by the Financial Services Compensation Scheme. RateSetter is a member of CIFAS and is registered under the Data Protection Act. Its registered office is 406 Great Guildford Business Square, 30 Great Guildford Street, London SE1 0HS.

Representative APR and lender rates based on current market rates on RateSetter.They include all fees. Lender rates assume full reinvestment of repayments at today's rates throughout the term and assumes any bad debt can be covered by the RateSetter Provision Fund. Data from the RateSetter website (including market data) is protected by © and database rights. It may not be used for any purpose without a licence. © Retail Money Market Limited. All rights reserved.